Secure Your Future Today With Confidence:
Your Home for Expert Long-Term Care Planning.
At Lavine LTC Benefits, we are committed to supporting family caregivers who play a vital role in providing extended care for their loved ones.
Why individuals and families must have the conversation about LTC Benefits
We believe we love our family.
We care about the lives of our spouse, children, and friends.
We do not want to divert our children and friends’ lives to care for us.
We do not want those who need caregiving to feel alone and isolated.
We believe it will be difficult for them to be part or full-time caregivers.
We believe that we have commitments to our family and our legacy and do not want to disrupt our financial plans now or in the future.
We believe we promised to care for our families and provide for them in health or frailty.
There is no requirement to own a plan to pay for ‘activities of daily living,’ why have the conversation about long-term care benefits?
1. Caregiving means daily living activities, which means you will someday transition from an active lifestyle to needing assistance with daily living activities.
2. You have choices. You and your family may use your personal resources or telephone or write to your Health Insurer, Medicare, Veterans Benefits, or other social services to ask how and where they will pay for your caregiving.
3. Owning an LTC plan allows you and your family to decide where and with whom you want assistance with your daily living activities.
4. LTC benefit payments paid to you or a care agency are not subject to income taxes.
5. Some of your premiums may be deductible if you are a Corporation, Partnership, or LLC.
You are successful and believe you have sufficient income to pay for your lifestyle with retirement, savings, and other capital assets.
“Why Own an LTC Plan?”
No “safe return on investment” is available to you as an individual or with a spouse/partner to accomplish what an insurance company and the tax code provide a Long-Term Care Benefit.
There is a simple way to verify my point. Please call your wealth advisor and ask them to do the following:
WAIVE
Their management fees on any money they advised you to keep in place for caregiving. (They won’t)
GUARANTEE
A return on investments to provide Care Giving $$$$$ as soon as next month with ZERO risk to your money. (They can’t)
MAKE THOSE DOLLARS TAX-FREE
when used to pay for LTC expenses. (Not Possible)
What Makes Lavine LTC Benefits Different from other LTC Providers?
Focused on Value.
At Lavine LTC Benefits, we understand the importance of balancing cost and value when it comes to long-term care insurance (LTCi). That’s why our team of experts provides exceptional service and guidance at no extra cost.
With our expertise on your side, you can have peace of mind knowing that your best interests are always being considered. We are dedicated to ensuring that our clients receive the highest level of service and value in their long-term care planning.
We Understand.
At Lavine LTC Benefits, we understand the personal challenges of caregiving from both a professional and personal perspective. Many of us have either witnessed loved ones become caregivers or have taken on this important role ourselves.
We have listened to countless stories from clients who have cared for their loved ones and want to ensure that their family is not burdened by that responsibility. We acknowledge that each extended care situation is different, and we strive to provide customized solutions to meet each individual’s unique needs.
We Believe
At Lavine LTC Benefits, we believe that planning for long-term care involves much more than just insurance coverage. That’s why we offer a comprehensive network of resources to support caregivers and assist with the process of finding care. With our expertise and diverse range of resources, you can easily access the information and support you need to navigate your caregiving journey with confidence.
Empowerment
At Lavine LTC Benefits, we believe in empowering our clients with the knowledge they need to make informed decisions about their long-term care plans. That’s why we offer a comprehensive Learning Center that provides all the information you need to understand your coverage options and why they are important. We are dedicated to ensuring that everyone has the tools they need to make informed planning decisions with confidence.
Our Impact
“I recently received long-term care insurance services from Raymond Lavine at Lavine LTC Benefits and it was a 5-star experience from start to finish. Raymond’s knowledge and expertise in the field of long-term care insurance was impressive and he provided personalized attention and support throughout the process. I would highly recommend Raymond and Lavine LTC Benefits to anyone in need of long-term care insurance.”
“We appreciate your patience in helping us work through the process. My wife is not insurable and I needed surgery before I could be approved for long-term care benefits.“
“It took me years to decide to own a long term care plan. My parents needed care and they had to sell some of their investment properties to pay for it. That reduced their income and increased tax expenses.“
“I am a scientist by training and only own insurance that I need. My parents needed care giving because of health issues and I knew that having a care giving plan for me would be of value if I could speak with a person to explain the need and plans which would provide me with what I wanted along and making sure I did not over buy benefits.“
Reach Us
We would love to hear from you.
4810 Point Fosdick Drive, N.W. Gig Harbor, WA 98335
+1 (253) 275-6091
raymond@advisorltcbenefits.com
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Licensed in these States:
AZ License #2703038 | CA License #0539679 | CO License #642066 | NV License #700594 | NM License #2703038 | OR License #2703038 | WA License #758179